The Winklevoss twins filed their Bitcoin ETF application four years ago. The SEC’s decision on whether or not to approve it is due Monday the 13th. The decision has huge implications for mainstream adoption of blockchain technologies, beyond illegal transactions and funneling assets out of China. In the short term, Bitcoin price is shooting up from speculation. Stay tuned.

While fintech companies often claim to be more inclusive, online lending algos are drawing criticism for favoring Ivy League graduates. Recent research shows that less prestigious institutions outpace the Ivy League, when it comes to getting poor kids into the 1% in their adult careers. In short, there is still room for debate over which assumptions should govern alternative lending.